Are Banks Open on July 2?

Father and daughter holding American flag.
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Independence Day — a federal holiday that celebrates America’s independence from Great Britain — is celebrated on July 4 every year. Although the Friday prior is not an official holiday, many people might be curious if banks are open on July 2 or if they are closed the last weekday before the Fourth.

Keep reading to see if your bank is open the Friday before Independence Day.

Are Banks Open on July 2?

Regarding holidays, banks typically follow the Federal Reserve‘s lead. When federal holidays fall on Sunday, as is the case this year with Independence Day, the Fed’s policy is to keep all of its banks and branches closed the following Monday.

If you’re wondering whether banks are open on July 2, the short answer is: It’s up to them, but banks will typically be open the Friday before the Fourth. Banks can open or close their branches any day they like. You should check with your bank to make sure it is indeed open so that you don’t make a trip in vain.

Banks Open on July 2

If you need to visit your bank on July 2, you’re probably in luck. Because the Friday before Independence Day is not a bank holiday, most institutions will conduct business as usual. Even if your bank is not on the following list, it will likely be open. Before you head out, call your local branch to confirm its schedule.

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These banks will definitely be open on July 2:

How To Bank on July 2

Since most banks are open on July 2, you can likely get assistance at a branch as usual. If for some reason your bank is closed, you still have options, including the following:

Between all of these options, you should be able to take care of most of your financial needs, such as obtaining basic information or making a deposit, withdrawal or transfer.

Upcoming Bank Holidays in 2021

According to the Fed, most banks will be closed on the following holidays this year:

Joel Anderson and Steffi Cao contributed to the reporting for this article.

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Schedules are subject to change and may vary by branch.

This article has been updated with additional reporting since its original publication.

About the Author

Andrew Lisa has been writing professionally since 2001. An award-winning writer, Andrew was formerly one of the youngest nationally distributed columnists for the largest newspaper syndicate in the country, the Gannett News Service. He worked as the business section editor for amNewYork, the most widely distributed newspaper in Manhattan, and worked as a copy editor for, a financial publication in the heart of Wall Street's investment community in New York City.

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